It sounds like you are trying to shoehorn email into some kind of “real person verification” role, when you ought to be doing actual KYC through some provider like ID.me. (If honest to god no-shit fraud is on the table.)
If I can filter/throttle fraudsters at the create account step for free, I save on the fees my KYC/IDV providers charge each time they attempt to defeat it.
If I can filter/throttle fraudsters at the create account step for free, I save on the fees my KYC/IDV providers charge each time they attempt to defeat it.